Commercial Insurance Claims Adjuster

Placements24; George; Hybrid; ZAR 420,000 - 720,000; Full time

Benefits offered by this job

Competitive salary

Medical aid

Retirement fund

Professional development

Travel allowance

Work-life balance

Career advancement

Job summary

Placements24 is seeking a skilled Commercial Insurance Claims Adjuster to join its George, Western Cape team. You will investigate, evaluate, and negotiate commercial insurance claims to secure fair and prompt settlements while upholding policy terms and legal liabilities.

You’ll manage a demanding caseload, gather evidence, liaise with legal counsel and third parties, and communicate clearly with claimants.

Qualifications

• Diploma in Insurance, Law, or Business preferred.
• Minimum 4 years as a Claims Adjuster in commercial lines.
• Strong knowledge of commercial policies and legal principles.
• Excellent investigative, analytical, and negotiation skills.
• Ability to travel within the region.

Responsibilities

• Investigate claims by gathering policy details, incident reports, and statements.
• Assess damage/loss and determine policy coverage.
• Negotiate settlements with policyholders, claimants, and legal reps.
• Approve payments within established guidelines.
• Maintain detailed claim files and communications.
• Identify potential fraud and elevate as necessary.
• Liaise with legal counsel, repair services, and third parties.
• Explain policy coverage and claim procedures to claimants.

Skills

Commercial insurance knowledge

Claims investigation

Negotiation skills

Communication skills

Legal principles

Education

Diploma in Insurance

Tools

Claim management software

Job description

About the Role

Our client is actively searching for a skilled and dedicated Commercial Insurance Claims Adjuster to join their growing team in George, Western Cape . This vital position involves investigating, evaluating, and negotiating commercial insurance claims to ensure fair and prompt settlements. The ideal candidate will possess a strong understanding of commercial insurance policies and legal liabilities, coupled with excellent investigative and communication skills. You will be instrumental in maintaining client satisfaction and upholding the company's reputation for integrity and efficiency. This role offers the opportunity to work with a diverse range of commercial clients and complex claim scenarios. The company prides itself on its professional yet supportive work environment, encouraging continuous learning and career advancement. Your ability to manage a caseload effectively and make sound judgments will be key to your success in this challenging yet rewarding position within the beautiful landscape of the Western Cape .

Key Responsibilities

• Investigate insurance claims by gathering relevant information, including policy details, incident reports, witness statements, and expert opinions.
• Assess the extent of damage or loss and determine coverage under the relevant insurance policies.
• Negotiate claim settlements with policyholders, claimants, and legal representatives.
• Approve and authorize payments for approved claims within established guidelines.
• Maintain accurate and detailed claim files, documenting all activities and communications.
• Identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation and identify potential fraud or misrepresentation.
• Identify potential fraud or misrepresentation and elevate as necessary.
• Liaise with legal counsel, repair services, and other third parties as needed.
• Provide clear explanations of policy coverage and claim procedures to claimants.

Requirements

• A relevant tertiary qualification (e.g., Diploma in Insurance, Law, or Business).
• Minimum of 4 years of experience as a Claims Adjuster, with a focus on commercial lines.
• In-depth knowledge of commercial insurance policies, legal principles, and claims handling procedures.
• Strong investigative, analytical, and negotiation skills.
• Excellent written and verbal communication skills.
• Proficiency in claim management software and standard office applications.
• Ability to work independently and manage a demanding caseload in George .
• Valid driver's license and willingness to travel within the region.

Benefits

• Competitive salary package.
• Comprehensive medical aid and retirement fund benefits.
• Opportunities for professional development and certifications.
• A dynamic and supportive team environment.
• Generous travel allowance for fieldwork.
• Work-life balance initiatives.
• Potential for career advancement within the organization.